USDA Vs. FHA your options comparison in Elgin, Lancaster County, SC

The USDA loan limit in Elgin, Lancaster county, SC, in 2025 is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator today to evaluate USDA versus FHA rates and identify income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator shows USDA, FHA, Conforming, and VA loans in parallel, aiding your decision on the best program for your financial situation in places like .

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2025 Loan Limits and Down Payment Requirements in Elgin, Lancaster County, SC

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Reviewing USDA and FHA Loan Options in Elgin, SC

Lendersa® aims to secure your best USDA or FHA loan quickly without hassle. Select one of three pathways to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in SC

The USDA home loan, guaranteed by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is offered only in rural locations. Unlike FHA loans needing a minimum 3.5% down payment, USDA mortgages require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • US Lending Corporation
  • 6720 Frank Lloyd Wright Ave, Suite 104, Middleton, WI, 53562
  • US Lending Corporation works with more than 20 banks to find the right home loans for our clients’ needs. More lending choices mean better-fit loans.Today’s rules and regulations for lending could fill volumes, making it more important than ever that you work with an experienced lender who specializes in home loans.
  • One Community Bank
  • 8215 Greenway Blvd, Madison, WI, 53562
  • One Community Bank, a completely online lending service that makes getting a mortgage or home equity loan easier and faster than ever before. One Community Bank was built exclusively for the internet. It's as easy as 1-2-3 and takes just 15 minutes to apply! We provide you with an instant interest rate quote and review your application.
  • DMB Community Bank
  • 321 North Main Street, Deforest, WI, 53532
  • We offer you personal service and a full menu of products and services. Whether you are an individual customer, a small business or professional firm, we have the products and experience to take care of your financial needs. Banking with us is doing business with people you know and who know you
  • Priority Bank
  • 401 W College St, Ozark, AR, 72949
  • Priority Bank is a local financial services institution that has served Ozark and Northwest Arkansas with quality service and professionalism since 1993.Priority Bank is incorporated in the state of Arkansas and is a federally chartered Savings Bank located in Fayetteville, Arkansas. It is regulated by the Office of the Comptroller of the Currency
  • Premier Financial Credit Union.
  • 2017 Main Street, New Holstein, WI, 53061
  • Premier Financial Credit Union is a full-service community credit union, with offices located in New Holstein, Kiel and Chilton. PFCU serves anyone who lives or works in Calumet, Sheboygan, Manitowoc, Fond du lac and Outagamie counties and their families. and also To serve our members in a safe, secure, and convenient environment
  • River Works Credit Union
  • 947 Western Avenue, Lynn, MA, 01905
  • RiverWorks Credit Union, a non-profit financial institution owned by our membership and established in 1936. River Works Credit Union’s primary objective is to function as an independent, full service Credit Union dedicated to offering competitive and affordable products to its members in a highly personalized manner.
  • Freedom Bank of Southern Missouri
  • 97 South Main, Cassville, MO, 65625
  • Freedom Bank of Southern Missouri is a locally owned independent community bank servicing customers in Cassville, Willard, Monett, Aurora, Seligman, Shell Knob, Golden and the surrounding outlying areas. Freedom Bank offers a wide variety of products, services and competitive rates to meet the credit needs of the consumer.
  • Traditional Mortgage Inc
  • 63 Simpson Rd, Pelham, NH, 03076
  • Traditional Mortgage, Inc. was founded in 2004 and is a full service mortgage company located in Pelham, New Hampshire. We offer a wide range of products including, purchases, refinancing options and debt consolidation products. We are licensed in New Hampshire, Maine and Massachusetts.
  • National Exchange Bank & Trust
  • 130 South Main St, Fond Du Lac, WI, 54936
  • National Exchange Bank & Trust has proudly served Southeastern Wisconsin since 1933. We are an independent, family-owned financial institution that has been held in high regard as one of the highest rated financial institutions in the Midwest for many years. Our performance is supported by a strong balance sheet, prudent asset management.
  • Massachusetts Family Credit Union
  • 51 Willow Street, Lynn, MA, 01901
  • The Massachusetts Family Federal Credit Union was chartered in 1926 for the purpose of providing savings and loans to postal employees. Since our modest beginning, the financial markets have changed dramatically, but the philosophy of the credit union has remained constant.” Your membership is our most valued asset.
  • Brotherhood Credit Union
  • 75 Market St Lynn, Lynn, MA, 01901
  • Brotherhood Credit Union offers its members a full service website that allows for true "Banking from Home" functionality. Users have the ability to get account balance and history reports, transfer money between accounts, make bill payments, and so much more. Brotherhood Credit Union has been serving its members in and around the Lynn, MA.